Loan Application: The loan application process can be done in a
face-to-face interview with one of our qualified lenders, or you may fill out
an application from our web site and drop off or e-mail the completed form to
us. You will need to bring with you to the initial meeting copies of your last
two paycheck stubs and W-2 tax forms. If you are self-employed or claim any
rental income, also include the last two years of tax returns. See our
Mortgage Application
Checklist for a list of commonly requested information.

Pre-Approval: The application and supporting documentation,
including a credit report, will be sent to our underwriters for pre-approval.
At this point, all information will be reviewed to see if you qualify based on
our credit and income standards.

Loan Processing: During the loan processing stage, our underwriting
staff will order an appraisal and title work for your home. The appraisal
company will measure the house and take pictures of the property in order to
find comparable homes to determine the value. The title company will visit your
local courthouse to check the title to the property to ensure that is clear of
any items that may interfere with you obtaining a clean title.

Final Approval: During final approval, an underwriter looks over
all the paperwork and loan details and decides whether or not it supports the
preliminary approval issued earlier (step 2). If it does, interest rates will
then be locked in and a closing meeting will be scheduled.

Closing: After the final approval, your loan is ready for closing.
If you are simply refinancing, you will meet with your lender to review and
sign all closing documents. If you are purchasing a home, the seller and
realtor(s) will also be present. You will receive copies of all documents and
be notified of your first payment due date.